Bank · FDIC insured
Greenfield Cooperative Bank
A $901.8M bank headquartered in Greenfield, MA, with 10 branches in Massachusetts. Best rates: CDs 0.15% and savings 0.10% APY.
Greenfield Cooperative Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#5 of 6 in Greenfield, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Greenfield Cooperative Bank
Greenfield Cooperative Bank was founded in Franklin County in 1905, and its Northampton Cooperative Bank division has been operating in Hampshire County since 1889.
Headquartered in Greenfield, Massachusetts, the state-chartered mutual bank provides banking services across Hampshire County, Franklin County, and select towns in Hampden County.
- Headquarters
- 63 Federal St, Greenfield, MA 01301
- FDIC certificate
- 26397 ↗
Branches
10 branches in Massachusetts
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Massachusetts
10 branches
Greenfield area · 6
- Greenfield Co-operative BankMain office63 Federal St, Greenfield, MA 01301Directions
- Federal Street Branch277 Federal St, Greenfield, MA 01301Directions
- Northfield Branch144 Main St, Northfield, MA 01360Directions
- Shelburne Falls Branch33-37 Bridge Road, Shelburne Falls, MA 01370Directions
- Sunderland Branch18 Amherst Rd, Sunderland, MA 01375Directions
- Turners Falls Branch176 Avenue A, Turners Falls, MA 01376Directions
Amherst Town area · 4
- College Street Branch390 College St, Amherst, MA 01002Directions
- Florence Office Branch6 Main St, Florence, MA 01062Directions
- Northampton Branch67 King St, Northampton, MA 01060Directions
- South Hadley Branch487 Newton St, South Hadley, MA 01075Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.47% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.72% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.57% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio12.47%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.72%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.57%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Greenfield Cooperative Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.